Division of Financial Regulation (DFR)
DFR encourages a wide range of financial services, products, and information for Oregonians, provided in a safe, sound, equitable, and fraud-free manner. The division provides professional, fair, and objective program supervision while valuing excellent customer service and serves as a resource for consumer stakeholders, including legislators and licensees.
DFR protects consumers from businesses that do not operate within statues and rules by:
- Supervising state-chartered or state-licensed financial institutions and financial-service providers.
- Regulating to ensure the safety and soundness of banks, trusts, and credit unions, and examining other financial institutions for compliance.
- Regulating the sale of investment securities in Oregon, reviewing securities offerings, and licensing those who sell them and those who advise about or manage securities.
- Ensure sound mortgage lending practices.
- Investigating complaints, alleged violations, and investment fraud; and issuing penalties as appropriate.
- Providing education and other resources to help consumers recognize and avoid foreclosure, fraud, and inappropriate products and services.
DFR also empowers and protects consumers while encouraging a financially stable, innovative, and competitive insurance marketplace.
Insurance regulators makes sure that:
- Your insurance company is financially sound so it can pay claims.
- You are treated fairly as a policyholder. This means making sure your claims are handled promptly and accurately and companies honor their policies.
- Rates are reasonable in relation to the benefits you receive.
This is done by:
- Analyzing and monitoring insurance company finances.
- Reviewing all insurance policies before they are sold in Oregon.
- Investigating consumer complaints.
- Licensing insurance companies and agents.
- Conducting in-depth and public reviews of proposed health insurance rates. We also review rates companies submit for other types of insurance.
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